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JPMCB Card Services: Why Does it Appear on My Credit Report?

Last updated 03/15/2024 by

Lacey Stark

Edited by

Fact checked by

“JPMCB card services” is short for JPMorgan Chase Bank. It might appear on your credit reports for several reasons, such as if you’ve authorized a hard credit inquiry when applying for a new credit card or if you already have a Chase credit card. It could also show up on your credit reports as a result of fraudulent use of your personal and financial information.
Part of being financially responsible is making sure you keep your credit history in good shape. An important piece of that process is keeping a close eye on your credit reports from the three credit bureaus — TransUnion, Equifax, and Experian — to, among other things, watch for signs of identity theft like accounts on your credit report that you don’t recognize.
Today, we’ll look at the reasons why you might see JPMCB card services on your credit report, when it might be cause for concern, and how it can affect your credit score.

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What JPMCB means

“JPMCB card services” stands for JP Morgan Chase Bank and is the result of a merger between J.P. Morgan & Co. and Chase Manhattan Corporation. The parent company is known as JPMorgan Chase & Co.
This giant of a financial institution does business under many names and subsidiaries including Chase Bank or JPMorgan Chase Bank. As you can imagine, this giant is well-known for financial products including credit cards, car loans, personal loans, mortgages, home equity lines of credit (HELOCs), checking accounts, and much more.
JPMCB card services is the name used in terms of Chase cards reported to the major credit bureaus.

Why is JPMCB on your credit report?

There are a number of reasons why you might see JPMCB on your credit report. The most obvious reason is that you have a Chase credit account and don’t realize it. The reason for this is that, while some Chase credit cards are more obvious with a prominently displayed Chase logo (like the Chase Freedom or the Chase Sapphire cards), many other cards are not.
For example, Amazon Prime Rewards Visa Signature, Southwest Rapid Rewards, and Marriott Bonvoy credit cards are just two credit cards of many where it’s not immediately obvious that Chase issued the credit cards. It’s entirely possible you have a Chase card and just aren’t aware of it. These are some credit cards where Chase is the card issuer but it might not be obvious.
Aer Lingus Visa SignatureIHG Rewards Club TravelerSouthwest Rapid Rewards Premier
Amazon Prime Rewards Visa SignatureInk Business CashSouthwest Rapid Rewards Premier Business
British Airways Visa SignatureInk Business UnlimitedStarbucks Rewards Visa
Disney Premier VisaInk Business PreferredUnited Gateway
Disney VisaMarriott Bonvoy BoldUnited Explorer
Iberia Visa SignatureMarriott Bonvoy BoundlessUnited Quest
IG Rewards Club PremierSouthwest Rapid Rewards PlusWorld of Hyatt

Pro Tip

The first thing you should do if you see JPMCB on your credit report (and wonder why it’s there) is to look in your wallet or check your credit card bill statements to make sure you’re not carrying around a Chase credit card without realizing it.

Hard and soft inquiries

Another possibility where you might see JPMCB on your report is if you’ve recently applied for a new account and the credit bureau has reported a hard credit inquiry on your credit report. A hard inquiry happens when a bank, credit issuer, or other financial institution pulls one or more of your credit reports to inspect your credit history and determine if you’re a good credit risk.
A hard inquiry does result in a drop in your credit score, although it’s only a temporary dip. But a hard inquiry does remain on your credit report for up to two years, so keep that in mind if you see JPMCB on your credit report and think it might be erroneous. It’s possible you got a new account within the last couple of years and the report is accurate.
It’s also possible there’s a soft inquiry on your report, which can show up when you apply for pre-approval for loans or other credit. Or financial institutions might pull a soft inquiry in an attempt to solicit business. (It should be noted that soft inquiries have no impact on your credit score and are only visible to yourself.)
“Soft inquiries typically happen when a company receives information to make an offer of credit, like a pre-approved credit card or loan offer,” explains TransUnion, one of the three major credit bureaus. “When these promotional inquiries happen, the company does not receive your credit report.”

Authorized user

JPMCB may also show up on your credit report if anyone has listed you as an authorized user on their Chase account.
“An authorized user is someone who’s been added to a credit card account by the card’s owner, also known as the primary cardholder. The authorized user can make purchases with the credit card as if it were their own. However, the responsibility to pay any charges remains with the primary cardholder,” explains Equifax, another of the three major credit agencies.
The primary cardholder may do this to give you access to their card, such as a parent allowing a child to legally use their card. Authorized users might also include a spouse or business partner.
It’s also a common strategy to help those with thin credit or bad credit raise their credit scores as authorized users will also see an impact on their credit scores. Even though the primary credit cardholder is responsible for making payments, authorized users will, by association, benefit from the good credit history of the original cardholder.

Pro Tip

To keep a close eye on your credit accounts, be sure to apply for your free credit report from each credit bureau. Through December 2023, consumers are eligible to get a new one each week, according to the Federal Trade Commission’s website.

Fraud or identity theft

The worst-case scenario for finding JPMCB on your credit report is that someone is using your personal and financial data for fraudulent purposes. If you’ve ruled out the possible legitimate reasons why a Chase credit card (or hard inquiry) has been reported on your credit, there’s a good chance of fraudulent activity.
However, it’s also possible that credit accounts or unauthorized hard inquiries could have been mistakenly reported. If you think there’s a chance of fraud, your best bet is to first contact JPMorgan Chase Bank customer service at (800) 935-9935 to see if you can identify the problem.
IMPORTANT! This doesn’t just apply to Chase cards. Be sure to contact other credit card issuers if the unfamiliar account on your report is not related to a Chase credit card.

What to do if you suspect fraud or identity theft

If you’re pretty sure there isn’t a legitimate explanation for a JPMCB card showing up on your credit reports and suspect you’re a victim of identity theft, there are a number of steps you can take to mitigate the damage.

1. Report the fraud

As soon as you notice the problem, you’ll want to alert the credit bureaus of the fraudulent activity and start the process of having the activity removed. You should also report the fraud to the card issuer and the Federal Trade Commission (FTC) at You may even want to file a police report as well.

2. Freeze your credit reports

To prevent future incidents you can contact the credit reporting agencies and put a freeze on your reports. You’ll need to contact each one individually, but this way no one can access your credit reports until you “unfreeze” them. It can be kind of a hassle when you want to apply for a loan or new credit, but it does safeguard you from fraudsters.

3. Request a free fraud alert from the three credit bureaus

A less drastic alternative to a credit freeze is getting a fraud alert placed on your credit reports. It’s basically a notification placed on your credit report to warn potential creditors or other third parties to take extra care when verifying your identity to extend you credit or a loan.
Think of it as a ‘red flag’ to potential lenders and creditors,” says Equifax. It makes it harder for fraudsters to get an account in your name without having to freeze your reports completely. A fraud alert is usually good for one year, but if you have a police report or have filed a report with the FTC, you can get an extended free fraud alert that lasts for seven years.

4. Consider adding credit monitoring services

A credit monitoring service can be a smart way to keep track of what’s happening on your credit reports by getting alerts and push notifications to your phone. This way you’ll be notified any time there are changes to your credit report.
Some companies offer free credit monitoring services, like Experian and Credit Karma, among others. Or, for a monthly fee, other firms, like LifeLock and Identity Guard, monitor your credit and offer additional credit-related financial products that can also help you resolve the fraudulent activity and reclaim your identity. You can take a look and compare different credit monitoring companies for yourself using the tool below.

SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more

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5. Hire a credit repair company

Credit repair companies, in addition to being a resource for consumers trying to boost their credit scores, can also help you deal with fraudulent activity on your report. They can communicate with creditors and credit bureaus on your behalf. Just make sure to do your research and find a reputable firm that’s the right fit for you.

SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more

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Key Takeaways

  • “JPMCB card services” stands for JPMorgan Chase Bank. If you see it on your credit report, it probably means you have a Chase credit card.
  • JPMCB on your credit reports may also mean there was a soft and/or hard inquiry credit check, you’re an authorized user of a Chase card, or someone is using your data for fraudulent purposes.
  • If you suspect fraud or identity theft, report it to the FTC and request the credit bureaus remove JPMCB card services from your credit reports.
  • To prevent further fraud, consumers can request a free fraud alert, put a freeze on their credit reports, or sign up for credit monitoring services.
  • Anything that shows up on your credit reports will affect your credit score, so it’s important to monitor your reports to safeguard your financial future.

SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more

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